CM.PR.P To Be Redeemed

its intention to redeem all of its issued and outstanding Non-cumulative Class A Preferred Shares Series 18 for cash. The redemptions will occur on October 29, 2012. The redemption price is $25.00 per Series 18 share.

The $0.33811 per share dividend declared on August 30, 2012 will be the final dividend on the Series 18 shares for the period from August 1, 2012 to October 29, 2012, and will be paid on October 29, 2012 to shareholders of record on September 28, 2012.

Beneficial holders who are not directly the registered holder of these shares should contact the financial institution, broker or other intermediary through which they hold their shares to confirm how they will receive their redemption proceeds. Formal notices and instructions for the redemption of Series 18 shares will be forwarded to registered shareholders.